NI Holdings Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $267.4M-17.8% YoYTTM through 30 Jun 2026
Net Income $3.1MTTM through 30 Jun 2026
Free Cash Flow -$32.6MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 4.2% |
| Net Margin | 1.2% |
Returns
-4.3%ROE
-2.1%ROA
1.6%ROIC
Balance Sheet Health
Debt / Equity0.00x
Net Debt-$50.9Mnet cash position
Cash & Equivalents$51.6M
Quality Metrics
Piotroski F-Score4 / 9
FCF Margin-12.2%
Multi-Year Trend
RevenueFY2025: $285.1M
Diluted EPS$0.38TTMFY2025: $-0.50
Dividend
No dividend
Capital Allocation
Capex Intensity0.0%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Home and Farm | View detailsRefocusing on core strengths in North Dakota, South Dakota, and Nebraska with rate increases and organic growth. | ||
| Non-Standard Auto | View detailsExited to eliminate unfavorable loss reserve development and improve overall corporate underwriting profitability. |
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